Recreational Vehicle Insurance
One of our services includes protection for your recreational or off-road vehicles. Make sure you are prepared for your next big adventure, wherever that may be. Vehicles that need specific insurance coverage may include:
- Motorhomes
- Campers
- Boats
- ATVs
- Jet Skis
- Snowmobiles
Recreational Vehicle Insurance may include the following coverages:
- Total loss replacement
- Replacement cost of personal belongs
- Emergency expense coverage
- Comprehensive coverage
- Towing and roadside assistance
- Full-time liability
- Stationary coverage
- Medical payments
- Uninsured motorist coverage
- Suspend collision coverage when in storage
Contact the team today to find out how easy and affordable it is to have recreational insurance added.
Frequently Asked Questions
What is recreational vehicle insurance?
Recreational vehicle insurance is coverage designed for vehicles used for travel, camping, boating, and outdoor activities. It can help protect motorhomes, campers, boats, ATVs, Jet Skis, and snowmobiles from certain accidents and losses.
Does my auto insurance cover a camper trailer?
Your auto policy may provide liability coverage while you are towing a camper, but it may not cover damage to the camper itself. A separate camper policy can provide broader protection for theft, weather damage, accidents, and other covered losses.
What coverage should I consider for a boat?
Common boat insurance options include liability, collision, comprehensive, medical payments, and coverage for equipment. Boat owners in Bozeman, Montana may also want to consider towing or emergency assistance coverage.
Can ATV insurance cover property damage?
ATV liability coverage may help pay if you accidentally damage another person’s property while riding. It can also help with certain injury claims if you are responsible for an accident.
Is a Jet Ski covered by homeowners insurance?
Homeowners insurance may provide very limited coverage for a Jet Ski or personal watercraft. A separate policy is usually needed for liability, physical damage, theft, and accidents on the water.
Does motorhome insurance cover belongings inside the RV?
Motorhome insurance may include coverage for personal belongings such as clothing, camping supplies, electronics, and kitchen items. Coverage limits can vary, so travelers from Bozeman, Montana should review how much protection is included.
Can I get insurance for a used recreational vehicle?
Yes, used motorhomes, campers, boats, ATVs, Jet Skis, and snowmobiles can usually be insured. The vehicle’s age, condition, value, and prior damage may affect the available coverage and cost.
What is comprehensive recreational insurance coverage?
Comprehensive coverage can help pay for damage that is not caused by a collision. This may include theft, vandalism, fire, falling objects, or certain weather-related damage in Montana.
Does recreational insurance cover accidents during transportation?
Damage can happen before you even reach your destination. Coverage may be available for a boat, ATV, Jet Ski, or snowmobile damaged while being transported on a trailer, depending on your recreational and trailer coverage.
How can I lower the cost of recreational insurance?
Choosing a higher deductible, maintaining a good driving record, completing safety courses, and bundling policies may help reduce premiums. Discounts and eligibility can vary among insurance companies serving Bozeman, Montana.